【摘要】：對于中國銀行業(yè)而言，最優(yōu)的市場結(jié)構(gòu)并非是完全競爭的市場結(jié)構(gòu),而是存在一定程度市場勢力的市場結(jié)構(gòu),一般產(chǎn)業(yè)經(jīng)濟(jì)學(xué)研究文獻(xiàn)主要集中在對銀行業(yè)市場集中度、壟斷市場結(jié)構(gòu)和銀行績效等方面。本文結(jié)合已有的對銀行壟斷的研究方法，在綜合分析銀行壟斷市場勢力的基礎(chǔ)上，進(jìn)一步研究銀行壟斷市場勢力所產(chǎn)生的社會福利效應(yīng)。 本文選取中國前15家大型商業(yè)銀行2001～2011年的統(tǒng)計數(shù)據(jù)，首先綜合分析銀行業(yè)市場結(jié)構(gòu)，運用隨機(jī)前沿成本函數(shù)估計15家商業(yè)銀行的市場勢力勒納指數(shù)，定量說明我國銀行業(yè)市場勢力不容忽視；其次，從銀行壟斷市場勢力自身效應(yīng)出發(fā),分析由市場勢力在剝奪消費者剩余的過程中浪費的社會福利損失,得出壟斷對社會福利的負(fù)效應(yīng)；再次，考慮市場勢力對于社會成本和福利的積極效應(yīng)，一定程度的壟斷是創(chuàng)新的先決條件，同時也是維護(hù)我國金融穩(wěn)定的必然要求；最后，通過綜合分析中國銀行業(yè)市場勢力的社會福利凈損失和壟斷間接效應(yīng)造成的福利正效應(yīng)，本文認(rèn)為我國銀行壟斷的社會福利損失比較嚴(yán)重，而從我國商業(yè)銀行市場勢力的間接正福利效應(yīng)角度考慮，銀行業(yè)市場勢力總體上提高了社會總福利。政府應(yīng)繼續(xù)深化金融領(lǐng)域改革，合理充分利用這種正效應(yīng)，在降低我國銀行業(yè)壟斷市場勢力和提高銀行經(jīng)營效率方面尋找平衡點，，盡可能的提高銀行市場勢力的正福利效應(yīng)。
[Abstract]:For China's banking industry, the optimal market structure is not a completely competitive market structure, but a market structure with a certain degree of market power. Monopoly market structure and bank performance and so on. Based on the existing research methods of bank monopoly, this paper further studies the social welfare effect of bank monopoly market power on the basis of comprehensive analysis of bank monopoly market power. In this paper, the statistical data of the top 15 large commercial banks in China from 2001 to 2011 are selected. Firstly, the market structure of the banking industry is comprehensively analyzed, and the market power Lerner index of 15 commercial banks is estimated by using the stochastic frontier cost function. The quantitative analysis shows that the market power of our banking industry can not be ignored. Secondly, starting from the effect of the market power of the bank monopoly, this paper analyzes the social welfare losses wasted by the market forces in the process of depriving the consumers of the surplus. Finally, considering the positive effects of market forces on social costs and welfare, a certain degree of monopoly is a prerequisite for innovation and an inevitable requirement for maintaining financial stability in China. By synthetically analyzing the net loss of social welfare and the positive effect of the indirect effect of monopoly on the social welfare of China's banking market power, this paper holds that the social welfare loss of banking monopoly in China is quite serious. From the perspective of the indirect positive welfare effect of the commercial bank market power, the banking market power generally improves the total social welfare. The government should continue to deepen the reform of the financial field, make full use of this positive effect, and find a balance in reducing the monopoly market power and improving the efficiency of banking operation, and improve the positive welfare effect of the market forces as much as possible.
【學(xué)位授予單位】：黑龍江省社會科學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F224;F832.33

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